Calgary Smartinsureinvest
Life & Health Insurance in Calgary, AB — Protection for Your Family & Future
Life in Calgary offers opportunities, adventure, and a strong sense of community — but it also means being prepared for the unexpected. At Smart Insure Invest, we provide life and health insurance in Calgary designed to protect your family and your future. Our tailored coverage ensures peace of mind, so you can focus on living fully while we help secure your financial well-being.
Why Life & Health Insurance Matters in Calgary
Calgary’s diverse workforce includes engineers, healthcare professionals, tradespeople, entrepreneurs, and newcomers building new lives in Alberta. With financial responsibilities such as housing costs, education savings, and retirement planning, reliable insurance protection plays a vital role in long-term stability.
Life & Health Insurance helps you:
- protect your family’s long-term financial future
- cover healthcare services not included in Alberta Health Care
- replace income if you’re unable to work due to illness or injury
- manage unexpected emergencies and expenses
- support long-term financial planning and savings goals
Whether you live in Calgary Downtown, Tuscany, Sage Hill, Cranston, McKenzie Towne, or Signal Hill, the right insurance plan strengthens your financial foundation.
Why Families in Calgary Choose Smart Insure Invest
- Trusted financial expertise – we follow Canadian standards to deliver dependable life and health insurance advice.
- Local insight into Calgary’s lifestyle – from downtown professionals to suburban families, we understand your unique needs.
- Tailored protection strategies – every client receives coverage that fits their health, goals, and future vision.
- Access to top Canadian insurers – enjoy competitive rates and trusted protection from leading providers.
- Long-term partnership – we review your coverage regularly as your family, income, and priorities evolve.
How It Works
Free consultation – discuss your goals and personal protection needs.
Evaluation – review your current insurance and financial details.
Custom plan – design a personalized life and health insurance strategy for your Calgary household.
Implementation – we take care of applications and documentation.
Ongoing reviews – adjust coverage as your family and lifestyle change.
Life & Health Insurance Options for Calgary Residents
Health Insurance in Calgary, AB
Although Alberta Health Care covers many essential medical services, several important treatments — including dental, vision, and therapy services — require private insurance. Health insurance helps reduce out-of-pocket costs and provides access to extended care when you need it most.
Health insurance in Calgary helps cover:
- prescription medications
- dental and vision care
- physiotherapy, chiropractic care, and massage therapy
- mental health and counselling services
- medical equipment and diagnostic tests
- emergency travel medical insurance
In a city with an active lifestyle and rapidly growing population, extended health coverage offers valuable financial protection.
Disability Insurance in Calgary
Disability insurance replaces a portion of your income if illness or injury prevents you from working. In Calgary, where many residents work in physically demanding or high-pressure environments, income protection is essential.
Disability insurance is especially helpful for:
- self-employed professionals and contractors
- trades and energy sector workers
- employees without employer disability benefits
- families relying on a primary income
This coverage ensures financial stability and peace of mind during recovery.
Life Insurance in Calgary, AB
Calgary families manage mortgages, childcare costs, education planning, and long-term financial responsibilities. Life insurance provides peace of mind and ensures your loved ones remain financially secure in the event of an unexpected loss.
Life insurance helps cover:
- mortgage or rent payments
- personal and family debts
- children’s education costs
- final and emergency expenses
- ongoing family income replacement
We offer:
- Term Life Insurance — flexible and affordable protection
- Whole Life Insurance — lifelong coverage with cash value
- Universal Life Insurance — insurance with investment features
Our advisors help you choose the right plan tailored to your goals, needs, and financial situation.
Critical Illness Insurance in Calgary
Critical illness insurance provides a tax-free lump-sum payment after a diagnosis of a serious medical condition. This financial support allows you to focus on recovery without worrying about unexpected expenses.
Conditions commonly covered:
- cancer
- heart attack
- stroke
- major organ failure
The benefit can help cover:
- treatment and rehabilitation costs
- time away from work
- travel for specialized care
- everyday living and household expenses
- family support
This coverage provides essential financial protection during life’s most challenging health events.
Answers to Common Questions
We work with all major types of life insurance in Canada: Term Life, Whole Life, Universal Life, Critical Illness Insurance, and Disability Insurance. We select the right product based on your goals—family protection, savings, investments, or corporate planning.
We review your situation: age, income, debts, mortgage, family size, tax strategy, and overall goals (protection, savings, investment growth). Then we recommend 2–3 tailored options and explain the pros and cons of each.
Yes. We have solutions for new immigrants, temporary residents, students, and clients who are just starting to build their credit history. Many insurance companies accept applications without a Canadian credit score.
Yes. Products like Universal Life (UL) and Participating Whole Life allow you to grow tax-advantaged savings, build retirement income, and transfer wealth to your children with significant tax benefits.
Approval timelines vary. It can take from 24 hours to 4–6 weeks depending on the coverage amount, age, and medical history. For healthy applicants, some companies offer instant approval options.
Yes. As an insurance and investment broker, we help clients open RRSP, TFSA, FHSA, RESP, and non-registered investment accounts, and select appropriate investment solutions with tax-efficient strategies.
Consultations are free. We are paid by insurance and investment companies, so your cost is the same as if you purchased the product directly—no extra fees.
We partner with top Canadian providers including Canada Life, Manulife, Industrial Alliance, Sun Life, RBC Insurance, Empire Life, and others. This ensures we can offer the best options for your situation.
Yes. Child policies provide long-term protection, guaranteed insurability, and tax-advantaged savings. It’s an excellent strategy for families who want to build financial security for their children.
Take the Next Step
Review all insurance services in one place: 👉 Full list of insurance services.
Searching for life and health insurance in Calgary? Smart Insure Invest is ready to help you with expert advice and tailored coverage for your company.
📞 Call us at: +1 (236) 334-2313
📧 Email: nadiia.khomenko@eauclairepartners.com
Or request your consultation online.